【The owner's family car knowledge】Near the end of the year and the New Year holidays, auto insurance sales have also ushered in the peak season, and many novices and new cars are on the road, and they will be covered by "all insurance" in order to obtain comprehensive protection. However, after the accident, some car owners expressed anger and helplessness for the insurance company’s refusal: "When you insured the car insurance, you deal with all risks. Why don't you pay after the insurance?" Such claims disputes occur, most of the time because the car owner bought it. When car insurance, I only asked about the price of the car insurance, but did not pay attention to the deductible situation of the insurance. Understanding the concept of all-insurance and the scope of claims can effectively help car owners settle claims quickly.
All risks include basic insurance and additional insurance
In fact, among the many types of insurance, there is no such word as "all insurance". It is just a common name for car insurance with more types of insurance and more comprehensive coverage.
All insurance includes basic insurance. Basic insurance is also called main insurance, which refers to insurance types that can be independently insured without being added to other insuranc
【The owner's family car knowledge】Near the end of the year and the New Year holidays, auto insurance sales have also ushered in the peak season, and many novices and new cars are on the road, and they will be covered by "all insurance" in order to obtain comprehensive protection. However, after the accident, some car owners expressed anger and helplessness for the insurance company’s refusal: "When you insured the car insurance, you deal with all risks. Why don't you pay after the insurance?" Such claims disputes occur, most of the time because the car owner bought it. When car insurance, I only asked about the price of the car insurance, but did not pay attention to the deductible situation of the insurance. Understanding the concept of all-insurance and the scope of claims can effectively help car owners settle claims quickly.
All risks include basic insurance and additional insurance
In fact, among the many types of insurance, there is no such word as "all insurance". It is just a common name for car insurance with more types of insurance and more comprehensive coverage.
All insurance includes basic insurance. Basic insurance is also called main insurance, which refers to insurance types that can be independently insured without being added to other insurance types. In addition to the compulsory traffic insurance, which is compulsory by the state, the basic insurance includes four independent insurance types: commercial third party liability insurance, vehicle loss insurance, vehicle theft rescue, and vehicle personnel liability insurance. Choosing "all risks" means that all four basic risks are insured, which can indeed effectively prevent losses.
Additional insurance refers to an additional contract attached to the basic insurance contract, which can form a more comprehensive insurance with a relatively small premium to supplement the basic insurance. In addition to the four basic risks, the "all risks" generally include two types of insurance as additional insurance for car damage: separate glass breakage insurance and car body scratch damage insurance. In fact, there are dozens of types of basic insurance supplementary insurance, and each insurance company has slightly different specific types of insurance.
What excluding deductible clauses are included in the all insurance of automobiles? The excluding deductible clauses are divided into basic insurance excluding deductible special clauses and additional insurance basic insurance excluding deductible special clauses. Deductible insurance is not included in the insurance. The insurance company will be responsible for the compensation of the deductible amount that the insured shall bear through the division of accident liability for the corresponding insurance. However, excluding deductible clauses does not apply to all types of insurance. If the insurance clauses clearly have liability exemptions and absolute deductible clauses, they will still be borne by the insured.
Ten kinds of "all risks" no claims
It is also necessary to understand the situation of non-claims in the whole insurance. The relevant person in the insurance industry pointed out that in fact, the ten common “all-insurance” non-compensation situations are:
1. No compensation for bumping into one's own family;
2. No compensation will be made if the lamp or the rear mirror is damaged separately;
3. No compensation if the third-party perpetrator cannot be found;
4. No compensation for engine damage caused by forced fire in the depth of the water;
5. Losses caused during vehicle repair will not be compensated;
6. No compensation for accidents caused by dragging a car that is not covered by compulsory insurance;
7. The equipment installed privately will not be compensated;
8. No compensation if damaged by items in the car;
9. No compensation for direct repairs without damage assessment;
10. No compensation for stolen vehicle parts.
Experts reminded that the so-called "all-insurance" is not a type of insurance, but a "combined insurance" that includes basic insurance, common insurance types of additional insurance, and excluding deductible insurance. Even if all types of insurance are insured, there are certain exemption clauses for various types of insurance claims, and it is impossible for an insurance company to fully indemnify.
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